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785 Islay — San Luis Obispo — 2 Beds • 1 Bath • 853 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

OPEN APR 18 · 2PM – 4PM

+21 more

$1,025,000

33 DOM

$1,202/sqft2 bd1 ba853 sqft

Call

785 Islay San Luis Obispo, CA 93401

4,320sqft lot

Charming bungalow with gated arbor entry on a quiet street just blocks from downtown. Bamboo floors, a renovated modern kitchen, and an expanded bath with a spacious shower blend classic character with thoughtful updates. The ample backyard features mature roses and citrus trees - an inviting garden retreat just moments from downtown shops and restaurants.

MLS SC26053363

805-548-2670 (Office) 805-548-2670 (Cell) kellye@theavenueslo.com

Est. payment

$6,550/mo

Principal & interestTaxesInsurance

$5,183$1,068$299

Down %

Rate %

Years

Down payment: $205,000 · Total cost: $2,070,865

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$6,550/mo

Principal & interest: $5,183
Est. property tax: $1,068
Est. insurance: $299
Down payment: $205,000

Est. gross rent$4,271/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-2,279/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Virtual Tour

Explore 3D Space

Opens interactive virtual tour

Price History

Event	Date	Price	Change
Listed	Mar 11, 2026	$1,025,000	—

Facts & Features

Transaction Data

Structure & Property

Year Built1942

Garage Spaces1

805-548-2670 (Office) 805-548-2670 (Cell) kellye@theavenueslo.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

785 Islay, San Luis Obispo, CA 93401

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Call

785 Islay San Luis Obispo, CA 93401

About this home

Kellye Grayson

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Kellye Grayson

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

785 Islay, San Luis Obispo, CA 93401

About This Property

Property Photos

785 Islay San Luis Obispo, CA 93401

About this home

Kellye Grayson

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Kellye Grayson

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.